Where You Live Impacts Auto Insurance
The state you live in is one of the largest determiners of your auto insurance rate. Inside of that, the city you live in may also play a large role in driving up auto insurance prices. While the price different probably shouldn't be enough to make you move, if you are considering relocated, take this into account.
Factors to Consider
State Regulations, Rates
Some states are simply more expensive than others when it comes to auto insurance. This comes down to various factors, including the state requirements for coverage, whether it is a tort system or no fault, as well as geography and natural disaster risks.
States with bad winter conditions or horrible summer storms tend to be more expensive than other states. Moderate climates with moderate weather tend to be the cheapest states for auto insurance, though other factors play a large role as well.
Type of Driving, Roads
Some places have safer driving conditions than others. If you live in a place with mostly city roads that are always crushed with traffic, you are a higher collision risk. You will have to pay more.
If your roads are nice and sparsely populated, you will be able to pay less for auto insurance.
Some places have higher auto theft rates than other. If you live in a city with lots of theft, you will have to pay more for this coverage.
If you park your vehicle in a big city, arson might be a real concern. Make sure your neighborhood is not driving up your rates.
People who cannot afford to deal with the ramifications often flee the scene of the crime. In places where people have lost their jobs, you might have to pay more for comprehensive coverage.
Some cities have extremely high crash rates due to stress, bad roads, and poor city planning. Drivers who live or work in these places will pay for it.
Cities tend to be the most expensive places to live and pay for auto insurance. This comes down to crime and driving conditions.
Suburban environments are probably as safe for driving as rural environments and are helped by high levels of insured people. However, many residents have long commutes. This can be costly, especially if you go to the city.
Fortunately, auto insurance in the country is more affordable, since there are fewer drivers and smaller chances for crimes.